Can I ask a question back at you? How can you have ordinary income at 25% and short-term capital gains at 33%? Hm, it's possible I misunderstand the intersection of LT and ST capital gains so please correct me if I am wrong. My ordinary income is in the 25% bracket. My LT gains push my total income...

Hi all, I have a tax question I am a bit puzzled by. If I have ordinary income at a 25% marginal rate, long-term gains at a 15% rate, and short-term gains at a 33% rate, which income will deductions offset first? If I make a charitable deduction, will it just all apply to ordinary income, therefore ...

I've been using Backblaze for a year and love it. Just signed up for the 2 year plan. I looked into Arq, and it is normally something I would do, but I wanted something simpler so I didn't screw up backups somehow.

Thanks for posting. So I'm guessing you are holding these 20 coins on an exchange? From what I've read, that might be risky. Yeah, it can be. I thankfully haven't lost anything in the big exchange thefts, etc, but I could have. Now, I try to only hold the small ones on several different exchanges, ...

This isn't a big deal, because I can work around it, but why would my 403(b) have a bunch of Vanguard funds, but not a total stock market one? Here is what it has: Target-date investments Vanguard Institutional Target Retirement 2015 Fund Vanguard Institutional Target Retirement 2020 Fund Vanguard I...

To calculate this 5%, do you take 5% of your total retirement balance? e.g Take the 401k balance and designate 5% of it? I took 5% of all of my investments (taxable and tax-advantaged) and use that as play money. It really does help with mental accounting, as I don't tinker with the rest of my port...

Hey, I saw the article and would be happy to help where needed. I totally understand not diving too deep technically, but if there are some frequently asked questions from forum threads, it might be worth including them. I've been messing around with cryptocurrencies for years and would be happy to ...

I have to say, even with The Robo Report and online reviews, etc, it is extremely hard to choose one of these advisors over the others. Other than their portfolio allocations and recent returns, a lot of their value added is just hard to measure. For example, is Wealthfront Direct Indexing really th...

Merchants may prefer it over credit cards because there are no fees or chargebacks. Remember, the transaction time for bitcoin may be slow compared to credit cards, but the settlement time for credit cards is around 1 month (the time after which you cannot do chargebacks). Look at some of the large...

I'd be interested in learning of anyone's good experience using, not speculating, in Bitcoin. If we don't come up with something or at least the whisper of something a whole lot better than credit cards, maybe I'll sell the other half soon. I've used Bitcoin to buy a sandwich before, and I sometime...

I would also look past Bitcoin to see the potential impact of blockchain tech. Some of these projects, such as smart contracts on Ethereum, really show the non-currency aspect of cryptocurrencies, and how they may be able to do very novel things. The flip side of this is that they are sometimes very...

I was (and still am) interested in Bitcoin and blockchain from a tech perspective very early on, but was terrible at holding on to it. I was very excited when it hit parity with a dollar, and I think I sold like 10 BTC at $20 each. I recently put a fixed amount aside to buy cryptocurrencies with, an...

As others have said, Coinbase is definitely the place to buy. Your USD is FDIC insured there, and they have insurance covering the digital assets if anything happens to them. Note that this insurance will not cover your own account security, such as a weak password. To store, I would follow previous...

I am committed to the Giving What We Can pledge, and I interpret this personally with a few rules: 1) I have to give 10% of income per year, where income is salary and capital gains. I usually do this monthly, but it isn't required. Matching donations don't count as it is not my income. 2) Giving ca...

It would be great if we could get some sort of crowdsourced Bogleheads comparison of the performance of these robo-advisors, as it is hard to compare them with available public data. I guess they would have to have similar risk settings to compare, though. We have that. First link in this thread: h...

Hedgeable: https://www.hedgeable.com/ They use a core satellite approach and dynamic allocation based on current market conditions. This sort of approach is typical of pension funds using hedge funds as satellites (hence the name). They are trying to create a private wealth type service that works ...

More information about your portfolio would be helpful if you want specific information. I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds. How woul...

aristotelian wrote:More information about your portfolio would be helpful if you want specific information.

I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds.

Why don't you invest to get big gains for the rest of the year and use those gains to pay the taxes? Then if the worst happens....... you will have loses instead! Wouldn't this make you happy either way? Yup, that's the plan! I swear I'm not trying to intentionally lose money. The strategies I was ...

Thought of another way, if your taxable investments lose value then you're still selling the same number of shares, and almost immediately buying those shares in your 403b, so really you've just managed to transfer more shares for the given contribution limits than if your taxable account had not l...

I have a lot of (realized) capital gains this year (yay!), but with a correspondingly high tax bill ( :( ). I am also currently not invested and would like to start. Assuming a given asset allocation, is there a good strategy for maximizing opportunities to Tax Loss Harvest? I know that normally TLH...

I'm not sure about the math behind the 403b contributions being taxable or not. I was assuming pre-tax this year, as I should be in the 25% tax bracket based on some other income, but I may move the contributions to Roth 403b next year when I am in the 15% bracket. Maybe semantics, but the 403b con...

FiveK, Thanks for the response! Yeah, the windfall is taxable, so I'm locked out of the normal Roth this year, but will contribute to normal Roth in future years. If my 403b will allow a mega backdoor Roth I will try that too, but I'm not sure it does based on my reading of the plan. My stipend is e...

Hi! I'm a graduate student (age 24), and I plan to be for the next 4-5 years or so. I recently received a windfall, and I'm wondering if I should invest a portion in a taxable account, or live off that portion to invest more in a tax-advantaged account. Details: Annual Stipend: $32,000 To Invest (af...